How to apply for insurance if your vehicle is scratched
Scratched vehicles are one of the common annoyances faced by car owners, especially in crowded parking lots or narrow roads. If scratches unfortunately occur, how to correctly apply for insurance becomes the focus of car owners. This article will introduce in detail the steps, precautions and related data to apply for insurance after the vehicle is scratched, to help car owners deal with such problems efficiently.
1. Steps to apply for insurance if your vehicle is scratched
1.On-site treatment: First ensure safety, move the vehicle to a place that does not obstruct traffic, and turn on the double flashers. If the scratching involves a third-party vehicle, the liability needs to be negotiated with the other party.
2.Take photos to collect evidence: Take photos of the scratched area, the entire vehicle and the surrounding environment to ensure that the photos are clear and reflect the full picture of the accident.
3.Contact insurance company: Call the insurance company’s customer service number, provide information such as the policy number, accident time and location, and follow the customer service instructions.
4.Fill out the report form: Fill in the accident report form according to the requirements of the insurance company and describe the accident in detail.
5.Damage assessment and repair: The insurance company arranges for an on-site inspection by a loss assessor or requires the car owner to send the vehicle to a designated repair point. After determining the damage, the car owner can choose a repair shop to repair it.
2. Things to note when applying for insurance
1.Report the case promptly: Generally, insurance companies require a report within 48 hours after an accident occurs. Failure to do so may affect claim settlement.
2.Avoid self-repair: Do not repair the vehicle yourself before the insurance company determines the damage, otherwise you may not be able to obtain compensation.
3.Keep evidence: In addition to photos, documents such as maintenance invoices and loss assessment orders must also be retained as proof of claim settlement.
4.Know your deductible: Some insurance plans have a deductible, and small losses may have to be borne by the car owner.
3. Vehicle scratch claim data reference
| Project | data |
|---|---|
| average claim amount | 800-1500 yuan |
| Claim success rate | More than 90% |
| Time limit for reporting a crime | Within 48 hours |
| Loss assessment time | 1-3 working days |
| Maintenance cycle | 3-7 days |
4. Frequently Asked Questions
1.Do I need to call the police after scratching?: If the accident involves a third party or the responsibility is unclear, it is recommended to call the police; if it is a unilateral accident, you can contact the insurance company directly.
2.Will applying for insurance affect the next year’s premium?: Usually small claims have less impact on premiums, but multiple claims may cause premiums to rise.
3.How to choose a repair shop?: Insurance companies usually have cooperative repair points. Car owners can also choose 4S stores or regular repair shops, but they need to confirm with the insurance company in advance.
5. Summary
Insurance coverage for scratched vehicles is a process that requires caution. Car owners should be familiar with the reporting procedures, keep complete evidence, and understand the insurance terms to ensure a smooth claim settlement. Through the guidance of this article, we hope to help car owners effectively solve the problem of vehicle scratches and reduce unnecessary losses.
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